P&N Bank Visa Classic
If you're looking for a low-cost credit card the Visa Classic Credit Card could be the right fit. With a minimum credit limit of $1,000, it's a great option for first time credit card holders, or if you want to keep your spending habits under control.
- Purchase rate
- 11.99%
- Annual fee
- $49.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer We may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information. · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 11.99% | — | — |
| Purchase Up to 45 days Interest free if you pay off your balance in full each month · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 11.99% | — | — |
| Cash advance Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 19.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Bank@Post Withdrawal Fee Fee for cash withdrawals at Australia Post Offices. | Withdrawal | $3.00 |
| Visa Chargeback Request Fee When a cardholder raises a dispute relating to a card transaction. | Event | $25.00 |
| Statement Retrieval Fee Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Declined Emergency Visa Card Fee Payable if your emergency card request is declined. | Replacement | $70.00 |
| Cash Advance Fee Both domestic and overseas. Cash advance interest rate will also apply. Please refer to your statement or online banking for your cash advance rate. | Cash advance | $5.00 |
| Credit Card Annual Fee Charged yearly · Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. | Ongoing | $49.00 |
Features
- Additional cards
- You can apply to add an additional card holder to your account at no additional charge. Please see our website for more information.
- Card access — Visa Credit card available
- Make purchases online or in-store using your Visa Credit card, including paywave. Please visit our website for more information.
- Digital banking
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Digital wallet — Apple Pay, Google Pay & Samsung Pay
- Make payments by adding your card to your digital wallet.
- Fraud protection
- Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.
- Real-time payments (NPP)
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
Eligibility
- Minimum age — 18 years
- Individuals onlyMember must be a natural person rather than another legal entity.
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a P&N Bank member
- Residency status — Personal Lending is not available for non-residents.
Constraints
- Maximum limit — $100,000.00Maximum loan amount is $100,000
- Minimum limit — $1,000.00The minimum credit limit is $1,000
More Information
Published by P&N Bank under the Consumer Data Right · Last updated 28 June 2026 · Product ID 41 · View on CDR.gov.au